<SEC-DOCUMENT>0000905729-20-000161.txt : 20200701
<SEC-HEADER>0000905729-20-000161.hdr.sgml : 20200701
<ACCEPTANCE-DATETIME>20200701090352
ACCESSION NUMBER:		0000905729-20-000161
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20200701
ITEM INFORMATION:		Completion of Acquisition or Disposition of Assets
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200701
DATE AS OF CHANGE:		20200701

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CHOICEONE FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000803164
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				382659066
		STATE OF INCORPORATION:			MI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39209
		FILM NUMBER:		201004234

	BUSINESS ADDRESS:	
		STREET 1:		109 E DIVISION
		STREET 2:		P O BOX 186
		CITY:			SPARTA
		STATE:			MI
		ZIP:			49345-0186
		BUSINESS PHONE:		6168877366

	MAIL ADDRESS:	
		STREET 1:		109 EAST DIVISION
		STREET 2:		P O BOX 186
		CITY:			SPARTA
		STATE:			MI
		ZIP:			49345-0186

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	1ST COMMUNITY BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>choice8k_070120.htm
<DESCRIPTION>CHOICEONE FORM 8-K
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
</B></FONT><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center">Pursuant to Section 13 or 15(d) of the<BR>
Securities Exchange Act of 1934</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center">Date of Report (Date of earliest event reported):
<B>July 1, 2020</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>ChoiceOne Financial Services, Inc.</B><BR>
(Exact Name of Registrant as<BR>
Specified in its Charter)</P>

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    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><B>Michigan</B><BR>
(State or Other Jurisdiction<BR>
of Incorporation)</TD>
    <TD COLSPAN="2" STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><B>000-19202</B><BR>
(Commission<BR>
File Number)</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><B>38-2659066</B><BR>
(IRS Employer<BR>
Identification No.)</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 5pt; text-align: center; layout-grid-mode: line"><B>109 E. Division Street<BR>
Sparta, Michigan</B><BR>
(Address of Principal Executive Offices)</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><B>49345</B><BR>
(Zip Code)</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD></TR>
<TR>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 31%">&nbsp;</TD>
    <TD STYLE="width: 11%">&nbsp;</TD>
    <TD STYLE="width: 18%">&nbsp;</TD>
    <TD STYLE="width: 29%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center">Registrant&rsquo;s telephone number, including
area code: <B>(616) 887-7366</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction
A.2. below):</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Written communications
pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Soliciting material
pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0 0">Securities registered pursuant to Section 12(b) of the Act:</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 26%; border: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">Title of each class</TD>
    <TD STYLE="width: 24%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">Trading symbol(s)</TD>
    <TD STYLE="width: 50%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">Name of each exchange on which registered</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">Common stock</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">COFS</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">NASDAQ Capital Market</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Indicate by check mark whether the registrant is an emerging growth
company as defined in Rule 405 of the Securities Act of 1933 (&sect;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange
Act of 1934 (&sect;240.12b-2 of this chapter).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: right">Emerging growth company <FONT STYLE="font-family: Wingdings">o</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0">If an emerging growth company, indicate by check mark if the
registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
provided pursuant to Section 13(a) of the Exchange Act. <FONT STYLE="font-family: Wingdings">o</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><BR>
<BR>
</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%; font-weight: bold">Item 2.01</TD>
    <TD STYLE="width: 85%; font-weight: bold">Completion of Acquisition or Disposition of Assets.</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Effective at 12:01 a.m. Michigan time
on July 1, 2020, pursuant to the Agreement and Plan of Merger dated January 3, 2020 (the &ldquo;Merger Agreement&rdquo;), by and
between ChoiceOne Financial Services, Inc. (&ldquo;ChoiceOne&rdquo;) and Community Shores Bank Corporation (&ldquo;Community Shores&rdquo;),
Community Shores was merged with and into ChoiceOne, with ChoiceOne as the surviving corporation in the merger (the&nbsp;&ldquo;Merger&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">Pursuant to the terms and conditions
of the Merger Agreement, at the effective time of the Merger, each share of Community Shores common stock was converted into the
right to receive certain merger consideration as follows: (i) each share for which a cash election was made was converted into
the right to receive an amount of cash equal to $5.00, and (ii) each share for which a stock election was made or for which no
election was made was converted into the right to receive 0.17162 shares of ChoiceOne common stock. In the aggregate, 26.1% of
the shares of Community Shores common stock outstanding as of the effective time of the Merger were converted into the right to
receive cash and 73.9% were converted into the right to receive ChoiceOne common stock. The aggregate value of the merger consideration,
based on the closing price of ChoiceOne common stock on June 30, 2020 of $29.56, is $20.88 million.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">The foregoing description of the Merger
and the Merger Agreement does not purport to be complete and is qualified in its entirety by reference to the Merger Agreement,
which was attached as Annex A to ChoiceOne&rsquo;s Registration Statement on Form S-4 filed March 16, 2020, and which is incorporated
herein by reference.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%; font-weight: bold">Item. 8.01</TD>
    <TD STYLE="width: 85%; font-weight: bold">Other Events.</TD></TR>
</TABLE>
<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">On July 1, 2020, ChoiceOne issued a
press release announcing the completion of the Merger, a copy of which is filed as Exhibit 99.1 to this Form 8-K.</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%; font-weight: bold">Item 9.01</TD>
    <TD STYLE="width: 85%; font-weight: bold">Financial Statements and Exhibits.</TD></TR>
</TABLE>
<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">(d) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exhibits</U>.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 16%; border-bottom: Black 1pt solid; padding: 5pt 5.4pt; layout-grid-mode: line"><B>Exhibit No.</B></TD>
    <TD STYLE="width: 84%; border-bottom: Black 1pt solid; padding: 5pt 5.4pt; layout-grid-mode: line"><B>Exhibit</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5pt 5.4pt; layout-grid-mode: line">2.1</TD>
    <TD STYLE="padding: 5pt 5.4pt; text-align: justify; layout-grid-mode: line">Agreement and Plan of Merger between ChoiceOne Financial Services, Inc. and Community Shores Bank Corporation dated January 3, 2020. Previously filed as Annex A to ChoiceOne&rsquo;s Registration Statement on Form S-4 filed March 16, 2020. Incorporated herein by reference. (The schedules to the Agreement and Plan of Merger have been omitted. The registrant hereby agrees to furnish supplementally a copy of any omitted schedules to the SEC upon request.)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 5pt 5.4pt; layout-grid-mode: line"><A HREF="choiceex991_070120.htm">99.1</A></TD>
    <TD STYLE="padding: 5pt 5.4pt; text-align: justify; layout-grid-mode: line"><A HREF="choiceex991_070120.htm">Press release dated July 1, 2020</A>.</TD></TR>
</TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B></B></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: justify; text-indent: 1in">Pursuant to the requirements
of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned
hereunto duly authorized.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">Dated:</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">July 1, 2020</TD>
    <TD COLSPAN="2" STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">CHOICEONE FINANCIAL SERVICES, INC.<BR>
(Registrant)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="width: 42%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="width: 44%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">/s/ Thomas Lampen</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">Thomas Lampen<BR>
Its Treasurer</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: justify">&nbsp;</P>



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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>choiceex991_070120.htm
<DESCRIPTION>CHOICEONE PRESS RELEASE (EXHIBIT 99.1)
<TEXT>
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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; text-indent: -9pt"><B>EXHIBIT 99.1</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B><IMG SRC="choicelogo.jpg" ALT="" STYLE="width: 263px; height: 67px">&nbsp;</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B>For Immediate Release</B></P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>ChoiceOne Financial Services, Inc. and Community
Shores Bank</B></P>

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Corporation Complete Merger</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #FEFEFE">SPARTA, Mich. and MUSKEGON, Mich., July
1, 2020<FONT STYLE="letter-spacing: 0.6pt; background-color: white">/PRNewswire/ </FONT>&ndash; ChoiceOne Financial Services, Inc.
(<FONT STYLE="background-color: white">NASDAQ:</FONT> COFS) (&ldquo;<U>ChoiceOne</U>&rdquo;) today announced the completion of
the merger of Community Shores Bank Corporation (&ldquo;<U>Community Shores</U>&rdquo;) with and into ChoiceOne, effective as of
July 1, 2020. The combined organization is the 12<SUP>th</SUP> largest bank holding company in Michigan based on asset size, with
approximately $1.7 billion in assets and 33 offices across Michigan.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25in; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">At the effective time of the merger, each
share of Community Shores common stock was converted into the right to receive certain merger consideration as follows: (i) each
share for which a cash election was made was converted into the right to receive an amount of cash equal to $5.00, and (ii) each
share for which a stock election was made or for which no election was made was converted into the right to receive 0.17162 shares
of ChoiceOne common stock. In the aggregate, 26.1% of the shares of Community Shores common stock outstanding as of the effective
time of the merger were converted into the right to receive cash and 73.9% were converted into the right to receive ChoiceOne
common stock. The aggregate value of the merger consideration, based on the closing price of ChoiceOne common stock on June 30,
2020 of $29.56, is $20.88 million.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&ldquo;We are excited to welcome Community
Shores into our ChoiceOne family,&rdquo; said ChoiceOne Chief Executive Officer Kelly Potes. &ldquo;Our acquisition of Community
Shores is a natural geographical and cultural fit for ChoiceOne and allows us to expand our community bank franchise further into
West Michigan. Our combined company offers greater capacity and diversity for commercial and consumer lending as well as leading
advancements in technology. We believe ChoiceOne offers substantial opportunity for our collective communities, customers, and
employees while adding significant value for our shareholders. ChoiceOne will offer small businesses and consumers in West and
Southeast Michigan an extensive line of products and services delivered through an enhanced retail network including online, mobile
and branch banking.&rdquo;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">Heather Brolick, President and CEO of Community
Shores Bank Corporation commented, &ldquo;We are sincerely appreciative of the support of our board of directors, shareholders,
and clients over the past 22 years. We look forward to our partnership with ChoiceOne in providing enhanced value and services
to our combined customers.&rdquo;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #FEFEFE">The combined organization will be headquartered
in Sparta, Michigan. ChoiceOne Bank and Community Shores Bank are expected to be consolidated in the fourth quarter of this year
and the consolidated bank will operate under the ChoiceOne name.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #FEFEFE">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #FEFEFE"><B>Advisors</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #FEFEFE">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #FEFEFE">Donnelly Penman &amp; Partners acted as
financial advisor to ChoiceOne. Warner Norcross + Judd LLP served as legal counsel to ChoiceOne. ProBank Austin acted as financial
advisor to Community Shores. Dickinson Wright PLLC served as legal counsel to Community Shores.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B></B></P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B>About ChoiceOne</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">ChoiceOne
Financial Services, Inc. is a financial holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne
Bank and Community Shores Bank. Member FDIC. Collectively, ChoiceOne Bank and Community Shores Bank operate 33 offices in parts
of Kent, Ottawa, Muskegon, Newaygo, Lapeer, St. Clair and Macomb counties.&nbsp; ChoiceOne Bank and Community Shores Bank offer
insurance and investment products through ChoiceOne Bank&rsquo;s subsidiary, ChoiceOne Insurance Agencies, Inc. ChoiceOne Financial
Services, Inc. common stock is quoted on the Nasdaq Capital Market under the symbol &ldquo;COFS.&rdquo; For more information,
please visit Investor Relations at ChoiceOne&rsquo;s website at&nbsp;<U>www.choiceone.com</U>.</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><BR>
<BR></FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Forward-Looking Statements</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">This release may contain forward-looking statements. Words such as
&ldquo;anticipates,&rdquo; &ldquo;believes,&rdquo; &ldquo;estimates,&rdquo; &ldquo;expects,&rdquo; &ldquo;forecasts,&rdquo; &ldquo;intends,&rdquo;
&ldquo;is likely,&rdquo; &ldquo;plans,&rdquo; &ldquo;predicts,&rdquo; &ldquo;projects,&rdquo; &ldquo;may,&rdquo; &ldquo;could,&rdquo;
&ldquo;look forward,&rdquo; &ldquo;continue&rdquo;, &ldquo;future&rdquo; and variations of such words and similar expressions are
intended to identify such forward-looking statements. These statements reflect current beliefs as to the expected outcomes of future
events and are not guarantees of future performance. These statements involve certain risks, uncertainties and assumptions (&ldquo;risk
factors&rdquo;) that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Therefore, actual
results and outcomes may materially differ from what may be expressed, implied or forecasted in such forward-looking statements.
Furthermore, ChoiceOne undertakes no obligation to update, amend, or clarify forward-looking statements, whether as a result of
new information, future events, or otherwise. Such risks, uncertainties and assumptions, include, among others, the following:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">the impacts of the global coronavirus outbreak (COVID-19);</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">the possibility that the anticipated benefits of the
transaction, including anticipated cost savings and strategic gains, are not realized when expected or at all, including as a result
of the impact of, or problems arising from, the integration of the two companies or as a result of the strength of the economy,
competitive factors in the areas where ChoiceOne and Community Shores do business, or as a result of other unexpected factors or
events;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">the impact of purchase accounting with respect to
the transaction, or any change in the assumptions used regarding the assets purchased and liabilities assumed to determine their
fair value; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 12pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt">the failure to complete the consolidation of Community
Shores Bank with ChoiceOne Bank in the fourth quarter of 2020 for any reason.</FONT></TD></TR></TABLE>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">Risk factors include, but are not limited to, the risk factors described
in Item 1A in ChoiceOne Financial Services, Inc.&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2019 and in
Item 1A in ChoiceOne Financial Service, Inc.&rsquo;s Quarterly Report on Form 10-Q for the quarter ended March 31, 2020.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B><U>Contacts</U></B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><B>ChoiceOne Financial Services, Inc.</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">Kelly Potes</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">Chief Executive Officer</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">616-887-7366</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><BR>
<FONT STYLE="background-color: white"><U>kpotes@choiceone.com</U></FONT></FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">Michael Burke, Jr.</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">President</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="background-color: white">810.664.2977</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white"><U>michael.burke@choiceone.com</U></FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
